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Financing Options at State Street Smiles

At State Street Smiles, our atmosphere is built on communication and compassion. We understand that dental care can be expensive and we want to accommodate your needs by conveniently offering you flexible financing options and accepting most insurance plans. 

We also accept all major credit cards, cash, and checks. We’ll always do our best to make sure that you fully understand your financial obligations prior to treatment.

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If you have fees that aren’t covered by insurance, you can finance the additional expenses with CareCredit. You can apply by calling (866) 893-7864, or on their website. Once you’re approved, you can use CareCredit like a credit card for your dental care. It can cover copays, deductibles, and costs not covered by insurance. 

CareCredit is a short-term financing option that allows you to spread your payment out over the course of months rather than owing it all at once. Payment windows last anywhere from 6 to 24 months. Best of all, the amount you borrow may be interest-free as long as you pay it in full within the allotted amount of time. CareCredit can be used for any dental treatment, mental health, medical, and even veterinary expenses.

Healthy Smiles Membership Club

In an effort to help our patients that don’t have insurance, we offer in-house financing at our office. This membership will allow you to save money on preventive dentistry like exams and cleanings, as well as any additional dentistry that you need. Click here for more information about our Healthy Smiles Program or call our office today to review the details of our membership plan.

Layaway Dentistry

With our Layaway Dentistry program, you can make monthly payments prior to your treatment to build up credit. You can change the monthly amount at any time. Once you’ve achieved the desired amount, you can go ahead and schedule your treatment.

Frequently Asked Questions

Does CareCredit hurt my credit?
What can I use my CareCredit for?
What credit score is required to be eligible for CareCredit?
Why doesn’t my insurance cover some procedures?
Does CareCredit hurt my credit?

Initially, you’ll see a small dip in your credit score that goes along with any credit check, but it should disappear after a year. CareCredit will actually improve your credit score in the long run, as long as you use it responsibly and pay for your treatment within the allotted time.

What can I use my CareCredit for?

CareCredit is accepted at over 200,000 locations nationwide. You can use it to pay for out-of-pocket healthcare expenses such as dentistry, cosmetic procedures, surgery, veterinary services, and many more.  For more information, check out the CareCredit website.

What credit score is required to be eligible for CareCredit?

CareCredit is more likely to approve people with a credit score of 623 or higher, however people with as low as 600 have been approved. To improve your chances, It helps to have low credit balances and fewer inquiries on your credit check. You’ll never know unless you apply. 

Why doesn’t my insurance cover some procedures?

Dental insurance is typically set up with specific parameters and limitations. Unfortunately, there are very few dental insurance plans that offer comprehensive benefits and it’s likely that there will be some out-of-pocket expenses for most procedures.


We make our dental recommendations based on your health and the way we would want to be treated in your situation, not based on what insurance will cover. That being said, we’ll always do our best to maximize your insurance benefits so that your financial responsibility is minimized.

We’ll also be happy to estimate and review with you how we expect your insurance benefits to work in our office so that you have no surprises.

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